Most people think that they have no rights against the insurance company. However, policyholders have rights! When insurers delay or deny your claim, they may be placing their interest above yours to enhance their own profit. Insurance companies make money when they do not have to pay claims. As such, there are many reasons to dispute a claim, including the following:

Improper claim denial, termination or cancelation

Failure to receive partial or full benefits owed

Delayed payment

Inadequate or unreasonable claim investigation

Misleading statement or misrepresentation

Broker/agent neglect

Improper or unfair claims settlement practice

Receiving an offer to settle under one portion of the policy in order to influence settlement under another portion of the policy

Failing to acknowledge and act promptly upon communication

Failing to promptly receive a reasonable explanation in writing for claim denial or compromise settlement

Failing to receive prompt notice of any additional information necessary for processing a claim

Failing to receive a clear explanation of the nature of the requested information and the reasons why such information is necessary

Importantly, you purchased insurance for peace of mind. After paying your premiums and incurring a loss, you have the right to benefits. Unfortunately, at the time you need them most, insurance companies do not always place your interest first. The Zaritsky Law Firm’s comprehensive legal services include the following: